B&Q letter charges

[pdrskint]

I dont know if anyone can give me any advice ,

i have a b&q account and if you are late in settling at month end they send a letter which they charge £ 15.00 for the privalige.

anybody similar things , or should i forget about it/

[Advoc8]

Is this a trade credit account or a personal charge card type of account? Do they do anything else apart from write the letter (and charge)?

[barracad]

This is a penalty charge for late payment and is no different from bank or credit card charges in that respect. Therefore you can claim it back by following the step-by-step instructions from this site.

[Advoc8]

This is a penalty charge for late payment and is no different from bank or credit card charges in that respect. Therefore you can claim it back by following the step-by-step instructions from this site.

 

However the nature (business or consumer) of the account will have a direct bearing on the causes of action available and the OP should therefore be guided towards using only the appropriate pleadings.

 

If it is a straightforward consumer charge card I'd agree but I don't know how automatically B&Q operate their trade accounts and it may be they can run a more robust defence. Surely it's better that the OP supplies more facts so that appropriate advice can be given?

[barracad]

We have information and support for both business and consumer claims.

[Advoc8]

We have information and support for both business and consumer claims.

 

I know, I just say that with a more complete fact pattern the OP can be (a) steered in the appropriate direction with regards to the advice on the site and (b) perhaps be more likely to attract further posts that are relevant to his particular situation.

[JonCris]

B & Q charge cards are provided by GE Capital who have just been fined for mis selling PPI.

[pdrskint]

Is this a trade credit account or a personal charge card type of account? Do they do anything else apart from write the letter (and charge)?

 

 

TYPE OF CARD IS TRADE ACCOUNT THE CHARGE OF £15 IS FOR THE LETTER SAYING YOU ARE LATE IN PAYING YOUR MONTHLY ACCOUNT OFF.

[Advoc8]

Give it a whirl then , but if it's in relation to your business make sure you read the business claims basic guide that's in the FAQs.

[JonCris]

pd

Much of the case law we rely on to dispute the banks charges is based on business to business claims.